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If your Nav were an 03, I'd recommend it, because that was the first new year out, and they were more problematic. However, the 05 has a great reputation. Personally, I have never used one when I have purchased them on Ford products. I wouldn't get it if I were you. YMMV.
I buy them. I have a 100K mile Premium Care on my wifes car packaged with a 60K mile maintenance plan.
It's always cheaper in the long run to insure yourself, assuming you can afford to pay for a repair. If, on average, extended warranties paid for themselves the warranty companies would go out of business.
Some people buy them for peace of mind and that's fine. Others finance them so they're only paying a few dollars a month to avoid a large repair bill and that's ok, too. Just don't expect to save money over several vehicles.
What exactly is it doing that makes u think it's about to fail?
Has a mechanic given u this diagnosis?
Here's a thought - it's possible Ford and the dealer would spring for an After Warantee Adjustment if you ask em nice.
I had a 2000 Navigator and purchased the extended warranty for $1200. About two years later after a heavy snow storm one of the modules were stuck in 4WD. Cost of maintenance and repair was well over the $1200 I invested. Though that was covered in the manufacture's warranty I still had a couple of suspension issues that occurred after 50K mi manufacture warranty expired. I had no out of pocket expense for any of the repairs.
I now have a 2005 Navigator and purchased the extended warranty for $1400 (Platinum package: include everything with a few exceptions for low ticket items such as windshield wipers or battery) just because I like to be covered. And at the heavy weight of this vehicle and the amount of miles I put on it from long distance driving I think it's a good investment. The good thing about an extended warranty is if you sell the vehicle before the life of the warranty expires you can be reimbursed for the portion of the warranty you haven't used.
Hope this helps with your decision.
My extended warranty just expired a few months ago on my 04 Navigator. I was looking at getting another e.w.. Now I have a possible future issue with my air suspension. My questions are:
Is it worth getting?
What would be the best option?
I was looking at USAA, Fidelity, AAA, my credit union, and Ford.